JOEL DAVID PEARL, 105 Padgett Court, Cary, North Carolina 27518 (919) 413-5544 Mobile 

PROFESSIONAL EXPERIENCE: 

INDEPENDENT APPRAISER:  Prepare appraisal reports which comply with Bank, FNMA, HUD and Federal Guidelines.  Each report contains data, documentation, analysis, reconciliation, and conclusions on which the value opinion is based.  Measure homes and generate Sketches and Floor Plans to reflect important physicals characteristics of the property including square footage, room sizes, decks, patios, garages and more.  

REGIONAL APPRAISAL REVIEW SPECIALIST:  BANK OF AMERICA (7 years).  Reviewed appraisal reports ensuring compliance with Bank and FNMA guidelines.  Reviewed the data, the adjustments, the conclusions and the reconciliation for appropriateness.  Generated clear and concise documentation including review records and memoranda for each review.  Independently determine if the reports were acceptable, deficient or unsatisfactory based on compliance with published Bank, FNMA and USPAP guidelines.  Provided comprehensive documentation for unsatisfactory reports including irrefutable data, reasoning and explanations.  Investigated and resolved high profile executive complaints.  Performed compliance audits.  Performed Field Reviews in eight (8) counties.  Completed a myriad of special projects including due diligence and mergers and acquisitions in San Diego, Arizona, and Hawaii.  

REVIEW APPRAISER/APPRAISER:  SEARS MORTGAGE CORPORATION / SEARS SAVINGS BANK (3 YEARS). Appraised single family residences, townhomes, condominiums, and 2-4 unit multifamily properties throughout Los Angeles and Ventura Counties.  Performed interstate auditing (field inspections) in consideation of bulk loan purchases.  New York and New Jersey.  Certified by the Federal Government, Housing and Urban Development under the Direct Endorsement Program.  

EDUCATION:  Appraisal Institute, Appraisal Courses, Continuing Education and more.  Graduated from California State University Northridge.